Welcome to 9dots99.com official website of Creative Solutions Insurance Agency Ltd. 

We are dedicated to serving Ontario Residents through Financial Services. Most people strive for three major aspirations in life. Spiritual, Emotional and Financial comfort. If we think about it,  ALL three are, like a pretzel, a basket weave of inter-connection and interdependence. Creative Solutions Insurance Agency, [CSIA] a financial services organization, is focused on the financial strand  of this interconnection. Financial comfort begets emotional comfort. Emotional and spiritual comfort permits rational pursuit of financial comfort.

What we have found in the past 40 years in working with clients and their circumstances is that a common element exists. While every client circumstance and situation is invariably different, a common set of elements exist.

Many clients, in dealing with their financial well being
  • Don't realize that a problem exists or will emerge if pursuing a given path;
  • Don't realize the magnitude of a given problem, and thus
  • Have no solution to remedy or control the problem.
  • Are not aware of the solution options available, nor which is the most effective.

CSIA role in helping develop a strategy is six fold:

  1. help to identify, bring into focus and prioritize client's life aspirations
  2. quantify, and timeline client  goals
  3. identify, quantify and explain financial issues
  4. help clients develop a strategy that helps to bring to fruition their life aspirations.
  5. Assist in Risk Management
  6. intermediate the implementation of action steps of a given strategy.

A large portion of our clients are families and small business owners. Our principal focus with clients is:

  • Risk Management & Financial Protection

Protect the family and business from the loss or interrruption of income created by unforseen health issues. Many things in life are a risk. Some risks are minor, some are potentially catastrophic.

We help clients with identifying, quantifying and managing the risk to their comfort level.

  • Retirement Saving

Most of our clients persue several life goals and work hard to provide the necessary funds to realize those life goals. One of the most common is the accumulation of sufficient funds during the income generating years to provide for the "golden years" where "spending"  replaces "saving". Tax Free Savings Account, RRSP are two tax favoured programs that can be used to invest in segregated funds or alternatively in Universal life programs.

We help clients develop and implement strategies that helps them in fulfilling those savings goals.

  • Retirement Income

Having reached the phase of life that changes the emphasis from saving to spending.

We assist clients in making the "nest egg" stretch as far as it needs to. Programs like RRSP can be converted to RRIFs, Privatized Pension funds can be built into manageable portfolios under locked in RRIFs. Likewise for unregistered funds, prescribed annuities can be set up to take advantage of a tax favoured structure of systematic life time income. GMWB structures under segregated funds can also guarantee a lifetime income base.

  • Estate Preservation

Often, decades of maticulous and legitimate tax avoidance techniques, like gas expense deduction claims, help maximize the after tax accumulation of retirement funds. Deligent RRSP plan contributions create more tax deferral allowing for greater investment accumulations. Tax effective  investment strategies further the tax effective accumulations for retirement. After all that lifelong, deligent and often obsessive tax management, most clients still believe that they have paid their fair share of the tax bill and further taxation is unjustified. Clients perceive that unconsumed assets, at the end of their life, will be left to beneficiaries of their choosing and most don't include CCRA as a benefactor. Yet in most instances, CCRA does don't forgive taxes due. CCRA allows tax deferral, not tax dismissal. The deferrals usually come in a small incremental measure year over year. When the deferral stops and becomes due, its usually massive. Where does the funds come from to pay the tax? Well in the absense of pre-planning, it comes from the assets of the estate, deminishing significantly the sums destined to intended beneficiaries. Permanent Life insurance like whole life and Universal Life of [UL] can be used to maximize the value of one's estate.

We assist in estate preservation stategies that finance estate obligations like tax liabilities, debt obligations, final expenses etc.~


 Get in Touch... Help us help you acgieve your aspirations.



" UTILIZE Creative Ideas AND Tax effective Strategies,
Consultancy & Financial Services
Creation AND Preservation of Wealth"


...beyond conventional wisdom, lies opportunity....


We are a financial services business started in 1990. We provide financial services and product placement in the areas of group insurance, group RRSP, group mortgages, individual insurance, as well as information, and strategic planning. We conduct our business from our main office in Burlington. We also make office or house calls. We are a long term relationship organization and we value our relationships.


Creative Solutions Insurance Agency Ltd., hereinafter called the Firm, is a Canadian firm incorporated and licensed in the province of Ontario, Canada . This license also allows us to place any and all money products offered by life insurance companies, like GICs and Segregated Fund products.In addition, when circumstances so dictate, we can facilitate the placement of insurance policies, for life, critical illness, long term care, disabilty, travel health, major medical, health and dental protection. We also have strategic alliances with banks an trust companies to facilitate mortgages, investment and RRSP loans, GICs and similar banking products. We are a long time member of ADVOCIS, The Financial Advisors Association of Canada.



STEVE M. SZENASI, Pres, Creative Solutions Insurance Agency Ltd.

Steve Szenasi, hereinafter called Steve or Advisor. He brings 50+ years of practical business experience to bear in advising clients in their strategic planning in striving for financial security. He has a wide perspective. He worked in the corporate world, helping design and market some of the very products he now makes available to clients. He has run two small businesses and has worked with many others. He understands the needs and culture of medium and small business and the entrepreneurial spirit it takes to make it work.

Life & Health Insurance Risk Appraiser Received his professional training as a Qualified Life & Health Risk Appraiser so he has a working knowledge of how the assessment and risk placement process works giving us a unique ability to help place difficult medical & financial risk for life & health insurance.

KATINVAL Consulting Inc.


Linda Szenasi, President, Katinval Consulting Inc.

KTV provides fee for service support to other financial planners and financial services account associates with technical support services in structuring and negotiating more complex financial/benefit programs. KTV also provides other services to the business community at large. KTV provides administrative support services to Creative Solutions Insurance Agencies Ltd. Linda Szenasi, is hereinafter called Linda or Administrator. 



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